Perlindungan Hukum Terhadap Nasabah Atas Penolakan Klaim Asuransi Kendaraan Di PT. Sompo Insurance Cabang Pekanbaru

Gustaman, M Rizqi Ariffandhy (2022) Perlindungan Hukum Terhadap Nasabah Atas Penolakan Klaim Asuransi Kendaraan Di PT. Sompo Insurance Cabang Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Along with the times and supported by the development of science and technology that is increasing, the higher the level of human life needs, this is due to the rapid development of technology and the high competition in the business world. It is realized that the progress of the times and the development of modern technology that is so fast- paced, then the level of risk that occurs also to every human activity will also increase both those that threaten themselves or their property so that humans try to overcome them. One of the ways humans deal with risk is through the transfer of risk to other parties, in this case through insurance institutions. Insurance provisions have been explained in Law Number 40 of 2014 concerning Insurance. In Article 1 Number 1 of Law Number 40 of 2014 concerning Insurance. The provisions used by the insurer in binding himself with the insured are translated into the policy. This policy will later be proof of the existence of an insurance agreement. However, insurance practices do not always run well. Claims submitted by insurance policy holders against insurance companies are often convoluted and rejected for various reasons that make it difficult for the insured to file a claim. Therefore, the main problems in this thesis are How is the legal protection for customers in the event of a claim rejection by PT. Sompo Insurance Pekanbaru Branch And what factors are the causes of rejection of vehicle insurance claims at PT. Sompo Insurance Pekanbaru Branch? The research method that the author uses is the sociological legal method, namely the method of collecting data by studying the facts in the field. The research location is at PT. Sompo Insurance Pekanbaru Branch by directly interviewing the branch head of PT. Sompo Insurance Pekanbaru Branch and the customer whose claim was rejected is Sugianto. The results of the thesis research that the authors get are that the form of legal protection for the rejection of vehicle insurance claims at PT. Sompo Insurance Pekanbaru Branch is that it can be done in two ways, namely preventively and repressively. And the form of legal protection is contained and spread in several Financial Services Authority Institutions as institutions that regulate the financial services sector. The causes of the rejection of motor vehicle insurance claims at PT. Sompo Insurance Pekanbaru Branch is an Event That Affects the Car Not Included in the Risks Covered by the Insurance. The incident that happened to the insured that actually happened was the occurrence of embezzlement. Regarding embezzlement itself is an exception from the legal liability of PT. Sompo Insurance Pekanbaru branch for customer claims. This provision has been stated in Article 3 of this Policy.

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